To me, smug is the person bragging about an investment method, and expecting people to believe it without objective evidence. Ever hear of the Beardstown Ladies?
Originally posted by: Fritzo
Originally posted by: Special K
Originally posted by: Fritzo
Really? Wow...how did I make all this money over the last 10 years?
I better call my broker so I can give it back I was on track for a million $ at 63 too.
Please share the system you are using to identify winning mutual funds in advance.
Also, what exactly was your return? How did you calculate it? How did your portfolio perform relative to an appropriate benchmark index? How much are you paying the broker?
Perhaps your returns would have been even higher if you weren't trying to chase the latest "hot" funds.
God I hate smug people. My broker is provided by my company to handle 401K assets, so there's no fees to speak of. I review my holdings on an annual basis, and allocate as needed. I'm diversified in no less than 5 areas, and sometimes up to 10 areas. During the rough times at the beginning of the year I put most of my money in Index funds and low load mutual funds for safe keeping, and a small amount into bonds. At the end of this year or early next year I'll probably move more into the bonds market if the economy picks up.
Our Goldman Sachs funds performed 8% over market this year, and nearly 20% over market last year. No, you shouldn't be moving your holdings around monthly to "ride the market", but an annual revamping is a great idea imo.
To me smug is different, which illustrates my point, to wit... A plan that works for one person is necessarily what works for someone else.Originally posted by: sciencewhiz
To me, smug is the person bragging about an investment method, and expecting people to believe it without objective evidence. Ever hear of the Beardstown Ladies?
Originally posted by: Special K
Originally posted by: finite automaton
Originally posted by: Special K
What are the ticker symbols for each of your funds? Knowing that would help quite a bit.
I don't think they have ticker symbols...
That is very odd. Who is your 401k provider?
Originally posted by: Lothar
Originally posted by: Special K
Originally posted by: finite automaton
Originally posted by: Special K
What are the ticker symbols for each of your funds? Knowing that would help quite a bit.
I don't think they have ticker symbols...
That is very odd. Who is your 401k provider?
I've been trying to get the exact ticker symbols for my 401k as well. No dice.
I made my own decisions based on my gut.
Originally posted by: Modular
Target funds are not the best way to go. Look at all the individual holdings that are inside of a target date fund and I guarantee that you wouldn't ever choose at least 3 of them if you were picking individual mutual funds.
Originally posted by: Lothar
Originally posted by: Special K
Originally posted by: finite automaton
Originally posted by: Special K
What are the ticker symbols for each of your funds? Knowing that would help quite a bit.
I don't think they have ticker symbols...
That is very odd. Who is your 401k provider?
I've been trying to get the exact ticker symbols for my 401k as well. No dice.
I made my own decisions based on my gut.
Originally posted by: Oceandevi
Originally posted by: Lothar
Originally posted by: Special K
Originally posted by: finite automaton
Originally posted by: Special K
What are the ticker symbols for each of your funds? Knowing that would help quite a bit.
I don't think they have ticker symbols...
That is very odd. Who is your 401k provider?
I've been trying to get the exact ticker symbols for my 401k as well. No dice.
I made my own decisions based on my gut.
I have fidelity. They do not list any ticker symbols. They do have records/stats you can look at but it is very limited information.
I only mention them as an alternative to worrying oneself into inaction.Originally posted by: Modular
Target funds are not the best way to go. Look at all the individual holdings that are inside of a target date fund and I guarantee that you wouldn't ever choose at least 3 of them if you were picking individual mutual funds.
Originally posted by: ebaycj
Originally posted by: Oceandevi
Originally posted by: Lothar
Originally posted by: Special K
Originally posted by: finite automaton
Originally posted by: Special K
What are the ticker symbols for each of your funds? Knowing that would help quite a bit.
I don't think they have ticker symbols...
That is very odd. Who is your 401k provider?
I've been trying to get the exact ticker symbols for my 401k as well. No dice.
I made my own decisions based on my gut.
I have fidelity. They do not list any ticker symbols. They do have records/stats you can look at but it is very limited information.
Just because the ticker is not listed in the marketing material, does not mean there is no ticker.
Originally posted by: Oceandevi
Originally posted by: ebaycj
Originally posted by: Oceandevi
Originally posted by: Lothar
Originally posted by: Special K
Originally posted by: finite automaton
Originally posted by: Special K
What are the ticker symbols for each of your funds? Knowing that would help quite a bit.
I don't think they have ticker symbols...
That is very odd. Who is your 401k provider?
I've been trying to get the exact ticker symbols for my 401k as well. No dice.
I made my own decisions based on my gut.
I have fidelity. They do not list any ticker symbols. They do have records/stats you can look at but it is very limited information.
Just because the ticker is not listed in the marketing material, does not mean there is no ticker.
I know that. I want to know the tickers....
Originally posted by: Special K
Originally posted by: Oceandevi
Originally posted by: ebaycj
Originally posted by: Oceandevi
Originally posted by: Lothar
Originally posted by: Special K
Originally posted by: finite automaton
Originally posted by: Special K
What are the ticker symbols for each of your funds? Knowing that would help quite a bit.
I don't think they have ticker symbols...
That is very odd. Who is your 401k provider?
I've been trying to get the exact ticker symbols for my 401k as well. No dice.
I made my own decisions based on my gut.
I have fidelity. They do not list any ticker symbols. They do have records/stats you can look at but it is very limited information.
Just because the ticker is not listed in the marketing material, does not mean there is no ticker.
I know that. I want to know the tickers....
Interesting, I also have Fidelity and all of our funds have ticker symbols. Do you log into your 401k account through www.401k.com?
Originally posted by: Oceandevi
Originally posted by: Special K
Originally posted by: Oceandevi
Originally posted by: ebaycj
Originally posted by: Oceandevi
Originally posted by: Lothar
Originally posted by: Special K
Originally posted by: finite automaton
Originally posted by: Special K
What are the ticker symbols for each of your funds? Knowing that would help quite a bit.
I don't think they have ticker symbols...
That is very odd. Who is your 401k provider?
I've been trying to get the exact ticker symbols for my 401k as well. No dice.
I made my own decisions based on my gut.
I have fidelity. They do not list any ticker symbols. They do have records/stats you can look at but it is very limited information.
Just because the ticker is not listed in the marketing material, does not mean there is no ticker.
I know that. I want to know the tickers....
Interesting, I also have Fidelity and all of our funds have ticker symbols. Do you log into your 401k account through www.401k.com?
yes. Tell me your secrets!
Originally posted by: Special K
Alright, here is how you locate your ticker symbols:
1. login to your account through 401k.com
2. Once you are logged in, click on the "Savings and Retirement" tab at the top of the screen
3. Click on your retirement account name under the "Retirement Accounts" heading
4. Click on the "Investment Choices and Research" link on the left side of the screen - you should now see a list of all of your investment options. The investment options will be hyperlinked. Below each hyperlink will be the name of the fund's relevant benchmark index.
5. Click on one of the fund's hyperlinked names.
6. Look in the upper-left corner of the screen that appears for a heading titled "INVESTMENT INFORMATION" - right under this text should be the name of the fund and in parenthesis following it will be the ticker symbol. For example, one of mine says "Harbor Cap Appreciation Instl CL (HACAX)" - HACAX is the ticker symbol.
Hopefully the format of your account pages is the same as mine once you are logged in.
Originally posted by: NoCreativity
You are young and have a long way until retirement, same with me. That means your portfolio should be heavy in stocks since you have a long time to ride out rough patches in the market. Personally I have 90% in stock funds.
Without knowing specifics on the lifecycle fund I can only guess that it is some combination of the other funds you have available (e.g. 80/20 mix of stock funds/bond funds) so there really is no reason to split money between that and the other funds like you have done. Either put everything into the lifecycle, or come up with your own mix of funds if you aren't happy with the funds or the mix that the lifecycle offers.
Of your list of other possible funds I would definitely go with the International index. For my 401k, the international and the small cap fund I have access to have done very well over the last few years.
Look over some the the articles here. If your company offers retirement classes/planning take advantage of that too.
Originally posted by: sciencewhiz
Originally posted by: Special K
Alright, here is how you locate your ticker symbols:
1. login to your account through 401k.com
2. Once you are logged in, click on the "Savings and Retirement" tab at the top of the screen
3. Click on your retirement account name under the "Retirement Accounts" heading
4. Click on the "Investment Choices and Research" link on the left side of the screen - you should now see a list of all of your investment options. The investment options will be hyperlinked. Below each hyperlink will be the name of the fund's relevant benchmark index.
5. Click on one of the fund's hyperlinked names.
6. Look in the upper-left corner of the screen that appears for a heading titled "INVESTMENT INFORMATION" - right under this text should be the name of the fund and in parenthesis following it will be the ticker symbol. For example, one of mine says "Harbor Cap Appreciation Instl CL (HACAX)" - HACAX is the ticker symbol.
Hopefully the format of your account pages is the same as mine once you are logged in.
That won't work if the funds are in collective trusts, like my fidelity 401k has.
For example, I have Small Cap Blend Fund, with no ticker symbol. I also have S&P 500 Index Fund, also with no ticker symbol.
Originally posted by: JEDI
Originally posted by: NoCreativity
You are young and have a long way until retirement, same with me. That means your portfolio should be heavy in stocks since you have a long time to ride out rough patches in the market. Personally I have 90% in stock funds.
Without knowing specifics on the lifecycle fund I can only guess that it is some combination of the other funds you have available (e.g. 80/20 mix of stock funds/bond funds) so there really is no reason to split money between that and the other funds like you have done. Either put everything into the lifecycle, or come up with your own mix of funds if you aren't happy with the funds or the mix that the lifecycle offers.
Of your list of other possible funds I would definitely go with the International index. For my 401k, the international and the small cap fund I have access to have done very well over the last few years.
Look over some the the articles here. If your company offers retirement classes/planning take advantage of that too.
convert everything to US Treasuries/bonds NOW!
100% into US Treasuries till this crisis blows over
/thread
Originally posted by: Special K
Originally posted by: sciencewhiz
Originally posted by: Special K
Alright, here is how you locate your ticker symbols:
1. login to your account through 401k.com
2. Once you are logged in, click on the "Savings and Retirement" tab at the top of the screen
3. Click on your retirement account name under the "Retirement Accounts" heading
4. Click on the "Investment Choices and Research" link on the left side of the screen - you should now see a list of all of your investment options. The investment options will be hyperlinked. Below each hyperlink will be the name of the fund's relevant benchmark index.
5. Click on one of the fund's hyperlinked names.
6. Look in the upper-left corner of the screen that appears for a heading titled "INVESTMENT INFORMATION" - right under this text should be the name of the fund and in parenthesis following it will be the ticker symbol. For example, one of mine says "Harbor Cap Appreciation Instl CL (HACAX)" - HACAX is the ticker symbol.
Hopefully the format of your account pages is the same as mine once you are logged in.
That won't work if the funds are in collective trusts, like my fidelity 401k has.
For example, I have Small Cap Blend Fund, with no ticker symbol. I also have S&P 500 Index Fund, also with no ticker symbol.
Can you even navigate to the page I describe in my directions that gives more detailed information about the fund (even if it doesn't give you a ticker symbol)?
Overview
What it is
A stock index fund.This is not a mutual fund and is managed by Northern Trust.
Goal
Seeks to mirror the results of the S&P 500® Index, which is an unmanaged index of common stock prices. This is not a mutual fund and is managed by Northern Trust.
What it invests in
Invests primarily in the stocks of the top 500 U.S. companies that comprise the S&P 500® Index. Unit price and return will vary.
Who might want to invest in it
? Someone who is comfortable with the fluctuations of the stock market while seeking to earn potentially higher long-term returns.
? Someone whose main goal is to match the total return performance of the common stocks contained in the S&P 500® Index.
The description for this fund was provided by Company Name. This fund is managed by Northern Trust Global Investments.
Originally posted by: sciencewhiz
Originally posted by: Special K
Originally posted by: sciencewhiz
Originally posted by: Special K
Alright, here is how you locate your ticker symbols:
1. login to your account through 401k.com
2. Once you are logged in, click on the "Savings and Retirement" tab at the top of the screen
3. Click on your retirement account name under the "Retirement Accounts" heading
4. Click on the "Investment Choices and Research" link on the left side of the screen - you should now see a list of all of your investment options. The investment options will be hyperlinked. Below each hyperlink will be the name of the fund's relevant benchmark index.
5. Click on one of the fund's hyperlinked names.
6. Look in the upper-left corner of the screen that appears for a heading titled "INVESTMENT INFORMATION" - right under this text should be the name of the fund and in parenthesis following it will be the ticker symbol. For example, one of mine says "Harbor Cap Appreciation Instl CL (HACAX)" - HACAX is the ticker symbol.
Hopefully the format of your account pages is the same as mine once you are logged in.
That won't work if the funds are in collective trusts, like my fidelity 401k has.
For example, I have Small Cap Blend Fund, with no ticker symbol. I also have S&P 500 Index Fund, also with no ticker symbol.
Can you even navigate to the page I describe in my directions that gives more detailed information about the fund (even if it doesn't give you a ticker symbol)?
Yes, they have everything the same as any of the mutual funds, except a ticker symbol. They also don't have a prospectus.
For example, the overview section of the S&P 500 Index Fund says the following
Overview
What it is
A stock index fund.This is not a mutual fund and is managed by Northern Trust.
Goal
Seeks to mirror the results of the S&P 500® Index, which is an unmanaged index of common stock prices. This is not a mutual fund and is managed by Northern Trust.
What it invests in
Invests primarily in the stocks of the top 500 U.S. companies that comprise the S&P 500® Index. Unit price and return will vary.
Who might want to invest in it
? Someone who is comfortable with the fluctuations of the stock market while seeking to earn potentially higher long-term returns.
? Someone whose main goal is to match the total return performance of the common stocks contained in the S&P 500® Index.
The description for this fund was provided by Company Name. This fund is managed by Northern Trust Global Investments.
Originally posted by: Special K
Originally posted by: Oceandevi
Originally posted by: Special K
Originally posted by: Oceandevi
Originally posted by: ebaycj
Originally posted by: Oceandevi
Originally posted by: Lothar
Originally posted by: Special K
Originally posted by: finite automaton
Originally posted by: Special K
What are the ticker symbols for each of your funds? Knowing that would help quite a bit.
I don't think they have ticker symbols...
That is very odd. Who is your 401k provider?
I've been trying to get the exact ticker symbols for my 401k as well. No dice.
I made my own decisions based on my gut.
I have fidelity. They do not list any ticker symbols. They do have records/stats you can look at but it is very limited information.
Just because the ticker is not listed in the marketing material, does not mean there is no ticker.
I know that. I want to know the tickers....
Interesting, I also have Fidelity and all of our funds have ticker symbols. Do you log into your 401k account through www.401k.com?
yes. Tell me your secrets!
Alright, here is how you locate your ticker symbols:
1. login to your account through 401k.com
2. Once you are logged in, click on the "Savings and Retirement" tab at the top of the screen
3. Click on your retirement account name under the "Retirement Accounts" heading
4. Click on the "Investment Choices and Research" link on the left side of the screen - you should now see a list of all of your investment options. The investment options will be hyperlinked. Below each hyperlink will be the name of the fund's relevant benchmark index.
5. Click on one of the fund's hyperlinked names.
6. Look in the upper-left corner of the screen that appears for a heading titled "INVESTMENT INFORMATION" - right under this text should be the name of the fund and in parenthesis following it will be the ticker symbol. For example, one of mine says "Harbor Cap Appreciation Instl CL (HACAX)" - HACAX is the ticker symbol.
Hopefully the format of your account pages is the same as mine once you are logged in.
Originally posted by: Oceandevi
Originally posted by: Special K
Originally posted by: Oceandevi
Originally posted by: Special K
Originally posted by: Oceandevi
Originally posted by: ebaycj
Originally posted by: Oceandevi
Originally posted by: Lothar
Originally posted by: Special K
Originally posted by: finite automaton
Originally posted by: Special K
What are the ticker symbols for each of your funds? Knowing that would help quite a bit.
I don't think they have ticker symbols...
That is very odd. Who is your 401k provider?
I've been trying to get the exact ticker symbols for my 401k as well. No dice.
I made my own decisions based on my gut.
I have fidelity. They do not list any ticker symbols. They do have records/stats you can look at but it is very limited information.
Just because the ticker is not listed in the marketing material, does not mean there is no ticker.
I know that. I want to know the tickers....
Interesting, I also have Fidelity and all of our funds have ticker symbols. Do you log into your 401k account through www.401k.com?
yes. Tell me your secrets!
Alright, here is how you locate your ticker symbols:
1. login to your account through 401k.com
2. Once you are logged in, click on the "Savings and Retirement" tab at the top of the screen
3. Click on your retirement account name under the "Retirement Accounts" heading
4. Click on the "Investment Choices and Research" link on the left side of the screen - you should now see a list of all of your investment options. The investment options will be hyperlinked. Below each hyperlink will be the name of the fund's relevant benchmark index.
5. Click on one of the fund's hyperlinked names.
6. Look in the upper-left corner of the screen that appears for a heading titled "INVESTMENT INFORMATION" - right under this text should be the name of the fund and in parenthesis following it will be the ticker symbol. For example, one of mine says "Harbor Cap Appreciation Instl CL (HACAX)" - HACAX is the ticker symbol.
Hopefully the format of your account pages is the same as mine once you are logged in.
yeah I just have this. AGGRESS GRW WEST ..... no ticker
Originally posted by: Special K
Originally posted by: Oceandevi
Originally posted by: Special K
Originally posted by: Oceandevi
Originally posted by: Special K
Originally posted by: Oceandevi
Originally posted by: ebaycj
Originally posted by: Oceandevi
Originally posted by: Lothar
Originally posted by: Special K
Originally posted by: finite automaton
Originally posted by: Special K
What are the ticker symbols for each of your funds? Knowing that would help quite a bit.
I don't think they have ticker symbols...
That is very odd. Who is your 401k provider?
I've been trying to get the exact ticker symbols for my 401k as well. No dice.
I made my own decisions based on my gut.
I have fidelity. They do not list any ticker symbols. They do have records/stats you can look at but it is very limited information.
Just because the ticker is not listed in the marketing material, does not mean there is no ticker.
I know that. I want to know the tickers....
Interesting, I also have Fidelity and all of our funds have ticker symbols. Do you log into your 401k account through www.401k.com?
yes. Tell me your secrets!
Alright, here is how you locate your ticker symbols:
1. login to your account through 401k.com
2. Once you are logged in, click on the "Savings and Retirement" tab at the top of the screen
3. Click on your retirement account name under the "Retirement Accounts" heading
4. Click on the "Investment Choices and Research" link on the left side of the screen - you should now see a list of all of your investment options. The investment options will be hyperlinked. Below each hyperlink will be the name of the fund's relevant benchmark index.
5. Click on one of the fund's hyperlinked names.
6. Look in the upper-left corner of the screen that appears for a heading titled "INVESTMENT INFORMATION" - right under this text should be the name of the fund and in parenthesis following it will be the ticker symbol. For example, one of mine says "Harbor Cap Appreciation Instl CL (HACAX)" - HACAX is the ticker symbol.
Hopefully the format of your account pages is the same as mine once you are logged in.
yeah I just have this. AGGRESS GRW WEST ..... no ticker
On my funds, there are the following links underneath the "INVESTMENT INFORMATION" heading:
Snapshot
Overview
Expenses & Fees
Rankings/Ratings
Performance
Holdings
Fund Facts
Prices & Distributions
Do you have any of these links?
Originally posted by: Oceandevi
Snapshot
Expenses & Fees
Performance
Holdings
Fund Facts
Prices & Distributions
Glossary
Originally posted by: Special K
Originally posted by: Oceandevi
Snapshot
Expenses & Fees
Performance
Holdings
Fund Facts
Prices & Distributions
Glossary
OK, good. The most important items on there are arguably the Expense Ratio and the Snapshot. First, go to Expenses & Fees and list the expense ratio for each of your funds.
Second, go to the snapshot and note where each fund falls on the StyleMap - this tells you what type of stocks/bonds the fund holds. Stocks are divided by the size of the company (small, medium, large) and by the type (value, blend, growth). These give the 3x3 grid shown on the page.